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ISO 20022 payment status

ACCC: Accepted settlement completed (creditor)

Settled on the creditor’s account. ACCC is a payment status your bank reports in a pain.002 status report (banks report it to each other in pacs.002).

ACCC at a glance
CodeACCC
NameAccepted settlement completed (creditor)
OutcomeSettled
Reported forthe whole file (GrpSts), a payment block (PmtInfSts) or a single transaction (TxSts)
Messagespain.002 (bank to customer), pacs.002 (bank to bank)

What ACCC means

Settlement on the creditor’s account is complete: the payee has been credited.

Only the payee’s bank knows when the payee was credited, so ACCC reaches you only if that bank reports back along the chain. Cross-border payments tracked through SWIFT gpi carry this confirmation back to the payer’s bank; many domestic bulk channels never do, and ACSC is then the last status you get.

Where ACCC appears

A status report answers a payment file (pain.001 or pain.008) at up to three levels: the whole message in OrgnlGrpInfAndSts/GrpSts, a payment block in OrgnlPmtInfAndSts/PmtInfSts, and one transaction in TxInfAndSts/TxSts. ACCC may be reported for the whole file (GrpSts), a payment block (PmtInfSts) or a single transaction (TxSts); the Payment File Viewer warns when a status sits at a level its ISO code list does not cover.

pain.002.001.10 · excerpt
<OrgnlGrpInfAndSts>
  <OrgnlMsgId>NWT-PAY-20261028-03</OrgnlMsgId>
  <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
  <GrpSts>ACCC</GrpSts>
</OrgnlGrpInfAndSts>
<OrgnlPmtInfAndSts>
  <OrgnlPmtInfId>PMT-20261028-03</OrgnlPmtInfId>
  <TxInfAndSts>
    <OrgnlEndToEndId>NW-2026-403</OrgnlEndToEndId>
    <TxSts>ACCC</TxSts>
  </TxInfAndSts>
</OrgnlPmtInfAndSts>

The transactions are matched to your file by OrgnlEndToEndId (and OrgnlInstrId), the blocks by OrgnlPmtInfId and the file by OrgnlMsgId.

What comes next, and what to do

  • What usually follows: Nothing: it is the last status a payment reaches.
  • What to do: Use it as proof of payment towards the payee, together with the end-to-end id and, for cross-border payments, the UETR.

Not every bank sends every status: many report only rejections, or only a few steps of the flow. Your bank’s implementation guide lists the statuses it uses.

Look up ACCC from a script or an AI agent

Scripts and AI agents get this code’s name, definition, where it sits and the address of this page from GET /api/v1/explain, keyless, or from the explain_code tool of the MCP server (API and MCP docs; add it to Claude, Cursor or VS Code).

REST · curl
curl -s 'https://iso20022-navigator.com/api/v1/explain?code=ACCC&kind=payment_status'